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Financière SISIP Financial

Financière SISIP Financial. MFRC Coordinators. Suzanne Ramsay, CFP. September 2015. CF Moral & Welfare Services. Our Financial Solutions. Financial Planning CAF Group Savings Plan Life and Disability Insurance Financial Counselling. Financial Planning.

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Financière SISIP Financial

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  1. Financière SISIP Financial MFRC Coordinators Suzanne Ramsay, CFP September 2015

  2. CFMoral & Welfare Services

  3. Our Financial Solutions • Financial Planning • CAF Group Savings Plan • Life and Disability Insurance • Financial Counselling

  4. Financial Planning • Offered exclusively to serving and released members of the CAF and their spouses • Extensive knowledge of the CAF pension, benefits, severance and pay structure • Providing unbiased financial solutions tailored to the unique needs of the CAF • Expert comprehensive advice from salary based Certified Financial Planners (CFPs)

  5. Financial Planning Wide range of investment products and services including: • Release Planning with focus on severance, TV, LTD & Pension • Retirement Planning including 2nd career considerations • General tax advice and estate planning • Goal based planning (major expense, education) • Portfolio analysis and investment recommendations • Diverse choice of investment products for registered accounts and tax-efficient options for OPEN accounts

  6. Insurance Products Optional Insurance Plans: • Optional Group Term Insurance (OGTI) • Reserve Term Life Insurance (RTIP) • Insurance for Released Members (IRM) * Supported Group Benefits: • Long Term Disability (LTD/Res LTD) • General Officers Insurance Plan (GOIP) • Military Post Retirement Life Insurance Plan (MPRLIP) * • Accidental Dismemberment Insurance Plan (ADIP) * Policies available to released members

  7. Term Life Insurance • No exclusions for war, dangerous occupations, hobbies, volunteer activities or sports • Less stringent medical underwriting requirements • $600k max coverage; dependent life coverage of $10k • Conversion from OGTI to IRM without evidence of insurability • Released members eligible to apply for IRM with proof of insurability

  8. Long Term Disability Medically Released members are provided with: • Salary replacement of 75%*, less other relevant sources of income • Vocational Rehabilitation Program is available to help prepare you for gainful civilian employment if needed (enhancing education, skills, training, experience) • In most instances, LTD plan covers you 24/7, whether injured in the line of duty or not * for the 1st 2yrs, then must qualify as “totally disabled”

  9. Financial Counselling • Providing personal money management assistance and education • Access to Canadian Forces Personnel Assistance Fund (CFPAF) loans and grants • Assist with access to Military Families Fund (MFF) • Referrals to professionals, local community service or other military resources • Assistance in resolving financial difficulties and improving quality of life • Strict case confidentiality

  10. CFPAF Self Improvement Loan Program (SILP) • Loans of $1k - $5k for emergency/unforseen situations • Available to serving members only Minor Disbursement Program (Grants) • Up to $200 to relieve temporary distress • Serving members or released members (through VAC) Financial Distress Program (Grants & Loans) • Max $5k Grant & $25k Loan • Financial hardship due to sickness, accident, death • Serving members or released members

  11. Financial Solutions & Partners

  12. www.sisip.com 1-800-267-6681

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